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06/01/2026
SELLER BEWARE: This contract language will cost you your margin and your leverage.
A contractor sent me a contract today with this language in it:
"This Agreement is contingent upon insurance company price and approval."
That one sentence hands your entire business over to the adjuster.
No defined price means no enforceable contract. It is legally a NULL agreement. You worked, you invoiced, and you have no contractual basis to demand payment above whatever the carrier decided to approve.
The supplement language makes it worse. The contract says the company will seek approval from the carrier AND payment from the owner for extras. Then it caps what the owner owes at the deductible. Those two provisions cancel each other out. If the carrier denies a supplement, you are holding a document that simultaneously says you can and cannot collect. That fight ends with you absorbing the cost.
Here is what actually happened when you signed this:
You gave the carrier the right to set your price. You gave up any independent claim to insurance proceeds. You accepted scope defined by an adjuster whose job is to minimize what gets paid. And you did all of it before a single nail was pulled.
The carrier is not your client. They do not owe you fair payment. They do not owe you a return call. They answer to their shareholders, not to your labor cost or your overhead.
A contract that references "insurance proceeds" as the price is a contract written for the carrier's benefit, not yours. The moment you sign it, you are working for the adjuster's number.
Know what you are signing before you sign it. Better yet, know what should be in your contract before you ever hand one to a customer.
Here's something the insurance industry is hoping you never find out about.
When you have a property loss — a fire, a flood, a major storm — you have the right to hire someone to help you work the claim. That person is called a public adjuster. They work for you, not the insurance company. They read the policy, document the damage, write the scope, and negotiate the settlement. When a policyholder has a public adjuster in their corner, they almost always walk away with more money.
Insurance companies know that. And now some of them are writing language directly into the policy that says you're not allowed to hire one.
It gets buried in the fine print. You sign the policy, you pay your premium, you have no idea it's in there. Then you have a loss, you call a public adjuster for help, and the carrier sends you a letter saying that if that person stays on your claim, you could lose your coverage entirely. You're already hurt. Your property is already damaged. And now you have to fire the one person who's actually working for you or risk losing everything.
This isn't a rumor. This is happening right now in multiple states. It's not just one fringe carrier. It's spreading across the industry. And right now only two states — Texas and Louisiana — have laws that actually stop it. Everyone else is wide open.
There's active litigation in Florida trying to shut it down. Big shoutout to Chip Merlin over at the Property Insurance Coverage Law Blog for staying on top of this and reporting every development as it happens. He's doing the work.
We're going to keep watching this one closely. When something breaks, we'll bring it straight to you.
Stay tuned. Stay informed. And as always — stay rebellious.
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05/29/2026
the horror
05/27/2026
Never position yourself as a supplicant asking the carrier to grant something. State your position as correct and the bill as due. Asking for "reinstatement" or "approval" implies the carrier has legitimate authority to deny it in the first place.
~Andrew G. McCabe
05/27/2026
the nerve of some people
It's been a while since I've had a dedicated work space. I feels nice.
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